Nevada's marketplace doesn't offer PPO medical coverage, but a nationwide PPO is still available. If you're moving your construction business to Las Vegas or Reno, here's how to get your family's insurance in order.
Hi, I'm Sam Jaber. Health insurance is the only coverage I broker. I'm licensed in Nevada, and we can handle everything over the phone.
Plenty of Nevada contractors spent years building in California, Arizona or Utah before bringing their businesses here. Some settled in Henderson, Summerlin, North Las Vegas or Reno because of construction opportunities, room to grow or living expenses. But moving your company doesn't mean your health insurance moves with it. Individual coverage is generally tied to the state where you live, and Nevada operates a separate marketplace. I'll explain how to handle your insurance when you relocate.
If you're worried about losing the PPO you had before moving, there's good news. Nationwide PPO coverage is available in Nevada, and I can help you get it.
Nevada Health Link isn't where you'll find that PPO. For 2026, its marketplace offers 138 individual medical plans through 9 insurers. Of those, 131 are HMOs and 7 are EPOs. Not one is a PPO. HMOs and EPOs generally don't cover non-emergency treatment outside their networks. PPOs do provide out-of-network benefits, although you'll pay more for that care, and referrals aren't required. Medically underwritten private PPO coverage can give you access to doctors nationwide, including providers your family still visits in your former state.
A move to another ZIP code or county may give you a special enrollment period, typically lasting 60 days. That means you may be able to enroll in Nevada coverage without waiting for fall enrollment. We'll coordinate the start date with your move to avoid a coverage gap. Have your previous plan paperwork available so we can compare what you had with what you're getting.
Once you move, you'll use Nevada Health Link rather than HealthCare.gov. Federal premium tax credits are available there too, calculated using your household's annual profit after expenses such as materials, subcontractors, vehicles, equipment, permits and insurance. If you don't qualify for assistance, keep this in mind: KFF reports that Nevada's average benchmark premium for a 40-year-old increased 20.0% between 2025 and 2026.
For the family we're discussing here, this is how I'd handle the coverage decision, in order:
Next step: Give me a call several weeks ahead of your move. We'll arrange for your Nevada health coverage to begin when you get there.
A new business location sometimes comes with a slower first year. Nevada expanded Medicaid, allowing households earning up to 138% of the federal poverty level to qualify while business picks up. Remember that workers' compensation, which may be required for your Nevada company, pays for work-related injuries rather than general medical care. Keep relocation receipts separate from company records, and review your business profit each month so your income projection stays accurate.
Next step: If business is slower than expected during your first year, give me a call. We'll compare Medicaid eligibility with marketplace coverage.
Straight answers, no sales pitch.
In most cases, you'll have to switch to Nevada coverage. A change of ZIP code or county may open a special enrollment period, generally 60 days, for choosing your plan.
No medical PPOs are offered there for 2026, only HMOs and EPOs. If you're a healthy builder, I can help you find nationwide PPO coverage privately.
No. Nevada Health Link is Nevada's own health insurance marketplace.
You may qualify. Nevada's Medicaid expansion includes adults whose household income is no higher than 138% of the federal poverty level.
Tell me where you're coming from, which Nevada county you're moving to, when you move and who needs coverage. I'll compare prices, work out when to change plans and check whether keeping any existing coverage makes sense.
The guide for every state, and other work I help with